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Commercial Credit Analyst

Job Description

Are you a detail-oriented financial analyst with a passion for commercial lending? We are seeking a talented Commercial Credit Analyst to join a dynamic lending team. This role offers the opportunity to make a real impact by assessing the creditworthiness of commercial borrowers, supporting business growth, and contributing to a member-focused financial culture.

Key Responsibilities

•    Analyze financial statements, tax returns, bank statements, and cash flows to assess creditworthiness of commercial borrowers.

•    Review and prepare credit files in collaboration with Commercial Relationship Officers (CROs).

•    Exercise prudent lending judgment to recommend approval, denial, or modification of loan transactions.

•    Develop and maintain spreadsheets, financial models, and reports to support credit analysis.

•    Conduct annual reviews of Member Business Loans and ensure compliance with federal and state regulations.

•    Prepare loans for SBA submission and ensure proper documentation of appraisals, environmental reports, and other required materials.

•    Present analysis, findings, and recommendations to management regarding borrower risk and repayment capacity.

•    Track loan applications, documentation, and annual reviews from application to closing.

•    Maintain professional relationships with members, business contacts, and internal teams, providing outstanding service and support.

•    Participate in special projects and assist branches or related departments as needed.

Qualifications & Skills

•    Bachelor’s degree in Finance, Accounting, or a related business field. Additional coursework in business or lending is a plus.

•    2–3 years of loan or commercial credit experience, with strong quantitative skills.

•    Proficiency in MS Office; experience with financial modeling and data analysis.

•    In-depth understanding of financial statements, ratios, leverage, and credit assessment.

•    Excellent written and verbal communication skills; professional, detail-oriented, and able to manage competing deadlines.

•    Strong service-oriented mindset and ability to collaborate effectively with colleagues and members.

•    Positive attitude, community-oriented, and committed to a culture of care and excellence.

Why is This a Great Opportunity

This is more than a financial analyst role — it’s an opportunity to support local businesses, contribute to community growth, and be part of a collaborative, member-focused team. You will play a key role in evaluating credit risk, facilitating sound lending decisions, and helping businesses thrive. With a competitive salary, sign-on bonus, and professional growth opportunities, this position is perfect for analytical professionals who want to make an impact.

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